PPF Calculator

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What is PPF (Public Provident Fund)?

The Public Provident Fund (PPF) is a long-term, government-backed savings scheme offering guaranteed returns with tax benefits. It is widely popular among salaried professionals, investors, and individuals looking for secure, risk-free financial growth.

PPF investments fall under the EEE category — Exempt Investment, Exempt Interest, Exempt Maturity, making it one of the most tax-efficient investment options in India.

Key Features of PPF

• Government-backed, 100% safe investment
• Interest rate revised every quarter
• Invest between ₹500 and ₹1,50,000 per year
• Lock-in period of 15 years (extendable by 5-year blocks)
• Tax-free maturity under Section 80C

How Does PPF Work?

You can invest yearly, quarterly, or monthly. PPF interest is compounded annually, and the maturity value is calculated based on:

• Total amount invested over the years
• Annual interest rate
• Number of years invested

PPF Interest Calculation Formula

Example of PPF Calculation

• Yearly Investment: ₹1,50,000
• PPF Interest Rate: 7.1% per annum
• Duration: 15 years

The calculator instantly shows:

• Total amount invested
• Total interest earned
• Final maturity value

Benefits of PPF Investment

• ✔ 100% safe and government-secured
• ✔ Long-term wealth creation
• ✔ Tax-free interest and maturity
• ✔ Ideal for retirement planning
• ✔ Loan and partial withdrawal facility available

Frequently Asked Questions (FAQ)

1. Is PPF better than FD?

PPF offers tax-free returns and higher long-term growth, while FD provides fixed guaranteed interest without a lock-in of 15 years.

2. Can I withdraw PPF before maturity?

Partial withdrawals are allowed from the 7th year onwards, subject to rules.

3. Can I extend PPF after 15 years?

Yes, you can extend your PPF in blocks of 5 years — with or without additional contributions.

4. What is the current PPF interest rate?

The PPF interest rate is reviewed quarterly by the Government of India. (Your calculator will reflect the updated rate.)